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robintheyounger t1_jegbguj wrote

So you realize you are cheating on Tom, which I guess is some level of self awareness. Imo there's no separation of emotional vs physical and one is better or worse than the other. Unfaithful is unfaithful. You are deliberately engaging in romantic intimacy with someone other than your partner. Your own behavior has shown you are incapable of keeping things "truly platonic" with Kay. If you want to be in a romantic relationship with someone else imo you have to cut way way way down on time with Kay, perhaps even a period of no contact. And Kay has shown with her behavior she's probably not really ever going to take the plunge and fully and openly be with you. I even hestitate to call her your "ex" because yall really were never together by the info in this post. Yall had a messy situationship where Kay was cheating on her partner. Just bad all around.

Even if you ditch Tom and decide to keep the friendship with Kay what are you going to get out of that but more pain, longing, and frustration. Sometimes there's just people you can't be around because the timing is never right. It sucks but it's how we react to these times that shows our character. And right now both of yall seem to be so stuck in the weeds of your situation you can't zoom to see how it makes both of you behave in really bad ways.

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DeluxeXL t1_jegbg6b wrote

It is likely the Roth earnings, considering that the only valid destinations are Roth IRA or Roth IRA. Calling it pretax is just weird.

If it were pretax employer match, valid destinations would have included traditional IRA.

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